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Common Questions
Does checking my options affect my credit score?
No. Our initial pre-qualification uses a soft credit pull that doesn't impact your score. Hard pulls only happen after you've reviewed and selected a specific lender offer.
How is CreditHub different from going directly to a bank?
Banks see one option — theirs. We access 90+ lenders simultaneously, finding who actually wants your deal and competing them for better terms. One application, multiple offers.
What do your services cost?
For most loan products, we're compensated by the lender at closing — meaning no out-of-pocket cost to you. Some specialized services like feasibility studies are priced separately and disclosed upfront.
How long does the process take?
Pre-qualification takes 24-48 hours. From there, timelines vary: working capital can fund in days, SBA loans typically 45-90 days. We'll give you a realistic timeline upfront based on your specific situation.